VELOCITY COMMUNITY

Charter #12458 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

VELOCITY COMMUNITY has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 21.7% in tier
  • + Organic Growth Leader: Top 22.2% in tier
  • + Organic Growth Engine: Top 29.3% in tier
  • + Wallet Share Momentum: Top 30.0% in tier
  • + Net Interest Margin 0.16% above tier average
  • + Total Assets: Top 1.6% in tier
  • + Total Deposits: Top 2.1% in tier
  • + Total Loans: Top 2.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 15.4% in tier
  • - Credit Quality Pressure: Bottom 19.5% in tier
  • - Liquidity Overhang: Bottom 32.1% in tier
  • - Indirect Auto Dependency: Bottom 32.4% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 2.27% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 25,157
+1.6% YoY+0.4% QoQ
 +9.5K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 13.0% in tier
Assets $480.7M
-2.3% YoY-0.4% QoQ
 +$249.4M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 1.7% in tier
Loans $336.6M
+8.0% YoY-0.2% QoQ
 +$188.8M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 2.6% in tier
Deposits $414.5M
+0.7% YoY-0.7% QoQ
 +$214.2M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 2.2% in tier
ROA 0.5%
-65.6% YoY+26.1% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 3.7%
+15.8% YoY+3.1% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 79.5%
+19.8% YoY-1.9% QoQ
 +2.3% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 60th in tier
Delinquency Rate 0.4%
+30.1% YoY+29.5% QoQ
 -0.4 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 81.2%
+7.3% YoY+0.5% QoQ
 +8.5% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 67th in tier
AMR $29,859
+2.2% YoY-0.8% QoQ
 +$5K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Top 17.3% in tier
CD Concentration 18.1%
+2.1% YoY+8.5% QoQ
 -6.4% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.4%
+39.2% YoY+1.6% QoQ
 +2.5% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#600 of 1006 • Top 21.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#294 of 430 • Top 22.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.63%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#538 of 603 • Top 29.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.63%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.50%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 16.43%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#828 of 1006 • Top 30.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Growth-at-Risk

risk
#231 of 446 • Bottom 15.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.04%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#484 of 736 • Bottom 19.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#497 of 552 • Bottom 32.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.41%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.21%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#522 of 525 • Bottom 32.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -2.30%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.43%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.63%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

18
Total Assets
balance_sheet
Value: $480.75M
Peer Avg: $231.30M
#18 of 1077 Top 1.6% in 100M-500M tier
24
Total Deposits
balance_sheet
Value: $414.52M
Peer Avg: $200.29M
#24 of 1077 Top 2.1% in 100M-500M tier
28
Total Loans
balance_sheet
Value: $336.64M
Peer Avg: $147.80M
#28 of 1077 Top 2.5% in 100M-500M tier
140
Total Members
engagement
Value: 25,157
Peer Avg: 15,628
#140 of 1077 Top 12.9% in 100M-500M tier
170
Loan-to-Member Ratio (LMR)
engagement
Value: $13,382
Peer Avg: $10,245
#170 of 1077 Top 15.7% in 100M-500M tier
186
Average Member Relationship (AMR)
engagement
Value: $29,859
Peer Avg: $24,363
#186 of 1077 Top 17.2% in 100M-500M tier
220
First Mortgage Concentration (%)
balance_sheet
Value: 14.99%
Peer Avg: 30.43%
#220 of 1077 Top 20.3% in 100M-500M tier
241
Loan Growth Rate
growth
Value: 8.04%
Peer Avg: 3.45%
#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (2 metrics)

980
Asset Growth Rate
growth
Value: -2.30%
Peer Avg: 4.70%
#980 of 1077 Bottom 9.1% in 100M-500M tier
818
Deposit Growth Rate
growth
Value: 0.73%
Peer Avg: 4.69%
#818 of 1077 Bottom 24.1% in 100M-500M tier